Cigna Insurance In Thailand For Expats
Cigna provides quality global health insurance with extensive and flexible coverage for expats in Thailand. With its nationwide health benefits, you will gain access to the company’s vast global healthcare network to maintain good personal health.
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In this Pacific Prime article, we will introduce Cigna’s company background, value, and the services they deliver. Then we will go through the coverage and eligibility of Cigna Global Health Insurance. Finally, we will wrap up with how our services can help you choose the best insurance.
Thailand is a country with a perfect blend of vibrant cultures and exotic natural landscapes favored by expats and travelers from all over the world. Choosing a suitable place for your lifestyle can be on the fence as everywhere seems appealing.
Cigna: Thailand Insurance Provider Introduced For Expats
Cigna has been rooted in the healthcare industry for over 225 years, trusted and recognized worldwide. With an extensive international workforce of over 70,000 people, serving over 180 million clients from more than 200 countries, the company is committed to enhancing public health and vitality.
Cigna has an international medical network, partnering with over 1.65 million medical providers around the world, including 175,000 mental and behavioral healthcare services providers, and 14,000 facilities and clinics of different scales, to open up access to and options for quality care to customers.
Cigna’s Products
With the scale advantage over other insurers, Cigna can provide a wide range of healthcare solutions that meet clients’ ever-changing needs, and make sure everyone can enjoy comprehensive care regardless of budget and location. Their products include:
- International health insurance
- Family health insurance
- Individual health insurance
- Employee benefits
- Dental Insurance
- And more
Cigna’s Values
Cigna’s success in the insurance industry can be accredited to its persistence in demonstrating an impeccable customer experience and relationship management strategy.
Their mission is to help improve the health, well-being, and peace of mind for those they serve.
To successfully achieve their mission, their work and effort can be divided into three areas: offering customer-first service, providing useful information, and empowering personalized healthcare accessibility for all.
- Offering customer-first service: Cigna customizes plans according to your needs and budget. Upon application, a decision on the application result will be made within a day. Then, you will gain access to user-friendly online tools and multiple convenient ways of contacting their multilingual Customer Care team, readily available to help 24/7.
- Providing useful information: Moving to a new country can be exciting, but there is much to consider before relocating. Cigna provides resources, such as country guides and information on healthcare systems for your reference.
- Empowering personalized healthcare accessibility: Cigna has a team of dedicated doctors and professionals to provide medical advice and support upon request. Their plans are comprehensive, including mental and behavioral health care, coverage for treatments, and counseling and coaching sessions for emotional support.
Cigna specializes in Individual Private Medical Insurance (IPMI). Clients can access worldwide medical treatment and healthcare conveniently with ample options, thanks to Cigna’s unrivaled connection with major healthcare institutions and pharmaceutical corporations around the world.
Cigna Health Insurance For Thailand Expats
The most suitable plan you can get as an expat in Thailand from Cigna is international or expat health insurance, which covers medical health expenses depending on the plan you have secured. Let us delve into the standard plan in detail.
Thailand is a tropical paradise for foreigners. While discovering the Kingdom’s wonders, unforeseeable events such as mosquito-borne diseases, mental health illnesses, and injuries could happen.
Accessing Thailand’s public healthcare system usually has long wait times, making it difficult to treat emergency conditions. To ensure that you will get treated promptly, you are recommended to opt for their private healthcare services.
You will then be able to enjoy their state-of-the-art medical facilities as well as English-speaking staff, alongside specialist care and consultation without needing to wait for months.
However, receiving services at private hospitals can be costly. But by getting insured, you won’t have to fork out money for medical treatments out of pocket as long as these treatments are covered in your plan. The insurer will settle the payment to give you peace of mind so that you can concentrate on your recovery.
Standard plan
Below are the basic coverage and benefits you’ll get by insuring with Cigna Global Health insurance:
| International Private Medical Insurance | Silver | Gold | Platinum |
| Hospital charges for Inpatient & patient treatment |
|
|
|
| Hospital accommodation for a parent or guardian | USD $1,000 | USD $1,000 | Paid in full |
| Pandemics, epidemics, and outbreaks of infectious illness | Paid in full | Paid in full | Paid in full |
| Inpatient cash benefit (Per night up to 30 days per beneficiary per period of cover) | USD $100 | USD $100 | USD $200 |
| Accident and Emergency Room Treatment (For necessary emergency treatment) | USD $500 | USD $1,000 | USD $1,200 |
| Transplant services | Paid in full | Paid in full | Paid in full |
| Advanced Medical Imaging as part of a treatment (MRI, CT, and PET scans) | USD $10,000 | USD $15,000 | Paid in full |
| Rehabilitation (Physiotherapy, occupational therapy, speech therapy, cardiac and pulmonary rehabilitation) | USD $5,000
Up to 30 days |
USD $10,000
Up to 60 days |
Paid in full
Up to 90 days |
| Home Nursing | USD $2,500
Up to 30 days |
USD $5,000
Up to 60 days |
Paid in full
Up to 120 days |
| Acupuncture and Chinese Medicine | USD $1,500 | USD $2,500 | Paid in full |
| Palliative care
– Home care – Inpatient and daypatient hospital care and treatment – And more |
USD $35,000 | USD $60,000 | Paid in full |
| Prothetic devices | Paid in full | Paid in full | Paid in full |
| Local ambulance & air ambulance services | Paid in full | Paid in full | Paid in full |
| Treatment for obesity (2-year waiting period) | No Coverage | 70% refund
Up to USD $20,000 |
80% refund
Up to USD $25,000 |
| Congenital conditions | USD $5,000 | USD $20,000 | USD $39,000 |
| Out-of-Area Emergency Hospitalization Cover | USD $100,000 | USD $250,000 | Paid in full |
| Mental and Behavioral health care (As part of inpatient, daypatient treatment) | USD $5,000
Up to 30 days |
USD $10,000
Up to 60 days |
Paid in full
Up to 90 days |
| Cancer preventive surgery | 70% refund
Up to USD $10,000 |
80% refund
Up to USD $18,000 |
90% refund
Up to USD $18,000 |
| Cancer care | Paid in full | Paid in full | Paid in full |
| Cancer-related appliances | USD $125
per lifetime |
USD $125
per lifetime |
USD $125
per lifetime |
Flexible Coverage
Flexibility is probably one of the biggest advantages of securing health insurance with Cigna. Their plans provide add-ons and adjustments to adapt to your budget and needs accordingly. Let’s take a look at the components of the plans.
Coverage Total
The plan is divided into three different levels: silver, gold, and platinum. The plan level determines the coverage amount in total, which is USD $1,000,000, USD $2,000,000, and unlimited for the three plan levels respectively.
Coverage Area
You have two areas of coverage to choose from: worldwide excluding the USA and including the USA. Keep in mind that if you choose worldwide coverage including the USA, the premiums rate will be greatly increased due to the high administrative costs, expensive technology, and drugs in the country.
Coverage Payment
You can pay with three currencies, namely USD, EUR, and GBP. You can choose to pay with different currencies at your convenience.
If the quoted premium happens to have exceeded your budget, you can also adjust it by utilizing a wide range of deductibles and cost shares (co-pay). This way, you will have to pay less premium, but more out of your pocket in cases of medical services and treatments. The options are as follows.
| International Private Medical Insurance | Silver | Gold | Platinum |
| Deductibles (the amount you must pay before any claims are covered by your plan) | USD $0 / $375 / $1,500 /
$3,000 / $7,500 / $10,000 |
USD $0 / $375 / $1,500 /
$3,000 / $7,500 / $10,000 |
USD $0 / $375 / $1,500 /
$3,000 / $7,500 / $10,000 |
| Cost share after deductibles (the percentage of each claim not covered by your plan) | 0% /10% / 20% /
30% |
0% /10% / 20% /
30% |
0% /10% / 20% /
30% |
| Out-of-Pocket Maximum | USD $2,000 or $5,000 | USD $2,000 or $5,000 | USD $2,000 or $5,000 |
What’s more, you have the freedom to choose how often you want to pay for your policy, annually, quarterly, or monthly.
Your premium will be slightly lower if you pay for longer terms at once. Extra 11.11% and 7.78% will be charged for monthly and quarterly payments, respectively.
You can make payments by debit or credit card only if you choose to pay monthly or quarterly. For premiums paid annually, bank wire transfer is also accepted.
Elective Modules
If you are looking for wider coverage, you can add optional modules to cover areas that are not included in the standard plans. There are 4 optional modules designed by Cigna: international outpatient, health and well-being, vision and dental, and international evacuation and crisis assistance.
- International Outpatient (OP): This covers outpatient care where hospital admission is not required. For example, consultations with general practitioners (GP) and specialists, outpatient rehabilitation, prescribed outpatient drugs, etc.
- International Health and Well-being: This provides you with the tools to manage your overall health and well-being, such as routine physical examinations, preventive cancer screenings, and access to counselors for emotional support and wellness coaches for improved physical and mental well-being.
- International Vision and Dental: This covers your preventative, routine, and major dental treatments. And for vision, routine eye examination, and costs for glasses and lenses.
- International Evacuation and Crisis Assistance Plus: This provides you cover for medical evacuation in case of an emergency and global crisis response services. Those could include costs for compassionate visits, emergency transport to a center of medical excellence, medical repatriation, etc.
Eligibility for Cigna
Cigna’s international health insurance is available to all people living abroad aged under 99 and over 18. That being said, there are also some geographic restrictions to its application you must be aware of:
- Country restrictions: A second address must be provided if the address on the application form is an address in Cuba, the Democratic Republic of Congo, Iran, Israel, Libya, Sudan, or Syria.
- Coverage restriction: Cigna cannot cover individuals residing in the following countries or cities: Afghanistan, Cuba, the Democratic Republic of the Congo, Guernsey, Hong Kong, Iran, Iraq, Lebanon, North Korea, Singapore, Sudan, or Syria.
- U.S. to U.S. affiliated country restrictions: For citizens in the U.S., Cigna cannot cover those currently residing in Guam, Puerto Rico, U.S. Virgin Islands, Northern Mariana Islands, or any U.S. Minor Outlying Islands.
It is important to note that in some countries, although not covered by international health insurance, we can also provide you with options that provide coverage in those areas. Nonetheless, Thailand is not under geographic restrictions. Hence, expenses under the policy-listed items will be covered.
Exclusions
Despite Cigna’s wide coverage, they have a list of exclusions that clearly state the services that are not included in their Global Health insurance package. Here are a few examples:
- Non-emergency treatment obtained from an out-of-network provider
- Services or supplies that are not medically necessary
- Assistance in activities of daily living
- Services provided by local, federal, or state government agencies
To further clarify any misunderstanding of the policy, you might want to take a close look at Cigna’s list of exclusions.
Benefits Of Working With A Broker
The benefits of working with a broker are that they provide unbiased information, and service at no extra cost. You can easily be overwhelmed by all the available plans in the market. This is where an insurance broker can help you simplify the process.
Insurance brokers work for you, rather than for specific insurance companies. Due to the brokers’ unique positioning, they can compare various insurance plans across companies and leverage their knowledge and expertise to uncover the best premium rates for your needs.
Here are a few reasons why working with an insurance broker could be beneficial to you.
Unbiased Information
As mentioned, insurance brokers can provide you with valuable and impartial advice on plans and price comparisons. Other than that, they can also delve into the specifics of a given policy to ensure you do not overlook items like exclusions and pre-existing conditions in the fine print.
Service at No Extra Cost
You might be worried that insurance brokers would charge you more than if you were to buy directly from the insurance companies To put your concerns to rest, we take a margin of the profit from insurance companies so clients do not have to pay for our services.
Brokers essentially are a marketplace in which insurance companies compete to offer the best-valued products to clients. When the market is fierce, insurers might even present us with plans at competitive prices.
Practical Support
Brokers are always on their clients’ side when negotiating with insurers. In other words, we will make sure your questions are promptly answered, help process claims, follow up with insurers, and more.
Saves You Time
Insurance brokers save you time and hassle by dealing with insurance companies regarding your recent claims, purchases, top-ups, and renewals. Brokers can offer you necessary professional advice addressing questions around these issues.
Pacific Prime As Your Insurance Partner
At Pacific Prime, we are committed to client-first servicing and providing you with a dedicated point of contact for constant support and professional advice.
As an award-winning insurance intermediary of choice, we aim to streamline the insurance process by helping you understand and compare the different options in the market, so you have what it takes to make informed decisions with your purchases. Pacific Prime is more than happy to provide support throughout your insurance journey.
With over 20 years of experience in the industry, we have expanded our network to over 13 countries in different regions of the world including APAC, Europe, and the Middle East. Countries in which we provide on-site services include Dubai, Singapore, Thailand, Hong Kong, the United Kingdom, and many more.
Throughout our expansion, we have liaised with top insurance companies in the world to provide options for your health insurance needs. Awarded multiple times over the years across different countries, our excellence in customer support for insurers and clients is trusted and recognized worldwide.
Frequently Asked Questions
Does Cigna insurance cover Thailand?
The Cigna Global Health Insurance plan covers Thailand. Your coverage also depends on your plan level and any optional add-ons to your plan.
Can expats access public healthcare in Thailand?
Expats can access public healthcare in Thailand but they will have to pay for all medical care services. This is because foreigners are not able to enroll in the country’s universal health program. Many prefer to access private healthcare with international health insurance.
Why is healthcare in Thailand good?
Doctors and medical staff are equipped with the most advanced medical equipment and knowledge. As Thailand is a popular city for tourists, private medical centers and hospitals also provide state-of-the-art healthcare facilities as well as friendly English-speaking staff for smooth communication.
Conclusion
Cigna offers expats quality health insurance as they travel abroad in Thailand. After looking at the tables of numbers, you must be overloaded with information and how those numbers and policy terms and exclusions interact with each other. And that’s only one plan from a single company!
An insurance expert can help you break down the policy in simpler terms so you know what you’re getting out of your insurance plan.
That’s why you should consider working with a reputable insurance broker like Pacific Prime.
To help kickstart your insurance journey, get in touch with us now! You can reach us through the live chat on our official website for general inquiries, or directly contact our professional consultants for insurance-related questions by filling in the form.
If you have decided on the scope of coverage regarding your needs, you can opt for a no-obligation quote and plan comparison using our online system. It sorts out the best plan available to you. You may consider checking out the tutorial beforehand on how to use it, and what it can do for you.
Despite Cigna’s large-scale global operation, it is not your only insurer option. There are also some other insurers, who could be offering a more suitable plan. You might want to check out:
Since joining Pacific Prime, Eric was exposed to a new world of insurance. Having learned about insurance products extensively, he has taken joy and satisfaction in helping individuals and businesses manage risks and protect themselves against financial loss through the power of words.
Although born and raised in Hong Kong, he spent a quarter of his life living and studying in the UK. He believes his multicultural experience is a great asset in understanding the needs and wants of expats and globe-trotters.
Eric’s strengths lie in his strong research, analytical, and communication skills, obtained through his BA in Linguistics from the University of York and MSc in Teaching English to Speakers of Other Languages (TESOL) from the University of Bristol.
Outside of work, he enjoys some me-time gaming and reading on his own, occasionally going absolutely mental on a night out with friends.
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Does Cigna offer any specific benefits or coverage for expats with families in Thailand, such as family health plans or pediatric care?
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